C&F Financial (CFF) Stock Price & Analysis
CFF Stock Chart & Stats
- Day’s Range
- EUR 95.50 - EUR 95.50
- 52-Week Range
- EUR 56.50 - EUR 96.50
- Previous Close
- EUR 95.50
- Volume
- 0
- Average Volume (3M)
- 0
- Market Cap
- EUR 318.27M
- Enterprise Value
- EUR 442.01M
- Total Cash (Recent Filing)
- EUR 500.03M
- Total Debt (Recent Filing)
- EUR 138.09M
- Price to Earnings (P/E)
- 11.8
- Beta
- 0.72
- Next Earnings
- Jan 27, 2027 (Est.)
- EPS Estimate
- 2.28
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 1.68%
Bulls Say, Bears Say
Bulls Say
Revenue Growth
The strong TTM revenue rebound indicates improving business activity across the regional banking franchise. Sustained revenue expansion can support operating leverage, strengthen capital generation, and provide a durable base for earnings over the next several quarters.
Earnings Quality
Free cash flow closely tracking net income suggests that reported profitability is converting into cash rather than relying mainly on accounting gains. The recent rebound improves internal funding capacity for lending, capital needs, and shareholder distributions.
Balance Sheet
Reasonable and improving leverage gives C&F Financial a more resilient capital base for its banking operations. Equity growth and manageable debt can preserve financial flexibility while supporting continued lending and helping absorb normal business-cycle pressure.
Bears Say
Below-Peak Returns
Although current returns remain steady, ROE below the 2021–2022 highs shows that the company is not converting its capital base into earnings at its earlier peak rate. This may constrain the pace of organic capital formation and earnings compounding.
Cash Flow Volatility
Large year-to-year swings in cash generation reduce the consistency of internally available funding, even after the latest recovery. Less predictable cash flow can complicate capital planning and make future lending or shareholder-return capacity more variable.
Cyclical Exposure
Sensitivity to credit and interest-rate cycles makes earnings and returns less structurally stable than the recent improvement alone suggests. Changes in borrowing conditions or credit performance could pressure profitability and limit the durability of current operating results.
CFF FAQ
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C&F Financial Stock Smart Score
Company Description
C&F Financial
C&F Financial Corporation functions as a bank holding company, providing oversight for Citizens and Farmers Bank, which delivers a comprehensive range of banking services to both individuals and businesses. Its Retail Banking division offers a diverse suite of services, including checking and savings accounts, in addition to various loan products such as business, real estate, development, mortgage, home equity, and installment loans. This segment also ensures convenient access to amenities like ATMs, internet and mobile banking, and debit and credit cards. Further services include safe deposit box rentals, notary public assistance, electronic transfers, and other standard banking facilities. These retail services are provided through its main office situated in West Point, Virginia, supplemented by 30 additional branches across the state. One branch each is found in Albermarle, Goochland, Hanover, Middlesex, Powhatan, Stafford, York, Charlottesville, Hampton, Montross, Newport News, Richmond, Warsaw, and Williamsburg. Furthermore, two branches are located in each of Cumberland, James City, King George, and New Kent counties, while four branches serve both Chesterfield and Henrico counties. The Mortgage Banking segment specializes in a broad spectrum of residential mortgage loans. It facilitates conventional mortgages, those insured by the Federal Housing Administration (FHA), and loans guaranteed by both the United States Department of Agriculture (USDA) and the Veterans Administration (VA). This division also offers supporting services for mortgage origination, including residential appraisals, and extends various mortgage origination functions to third-party clients. Mortgage services are available through 11 offices in Virginia, one office in Maryland, two offices in North Carolina, and one office each in South Carolina and West Virginia. The company's Consumer Finance segment, with offices in Richmond and Hampton, Virginia, primarily provides automobile loans. Beyond these core banking operations, C&F Financial Corporation also furnishes brokerage and wealth management services, alongside various insurance products. Additionally, the company delivers title and settlement agency services. C&F Financial Corporation was established in 1927 and maintains its headquarters in West Point, Virginia.
- Sector
- General
- Industry
- Banks - Regional
- CEO
- Thomas F. Cherry
- Employees
- 575
- Website
- www.cffc.com
- Address
- 3600 La Grange Parkway, Toano, VA, 23168, US
C&F Financial (CFF) Earnings & Revenues
CFF Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 14 | 3 | 5 |
| Technical Analysis | 2 | 3 | 5 |
| Moving Averages | 12 | 0 | 0 |